explain

app.py

@@ -239,7 +239,7 @@ Explain by Context
 ![Credit Record Summary](file=./xgb/credit_record.png)
 **Observations from a healthy credit background:**
 Note: this is odd ratio
-- base line at -2, indicate from healthy credit background
+- base line at -2, indicate explain from healthy credit perspective, why this guy is default
 - This individual defaults due to high **PAY_0** and **PAY_6**.
 - PAY_0 represents repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months, … 8=payment delay for eight months, 9=payment delay for nine months and above).